Abstract: To electronically present and pay bills, bill information representing a plurality of bills of a plurality of billers for a plurality of payors is transmitted to the plurality of payors. The transmitted bill information includes first information representing a first of the plurality of bills of a first of the plurality of billers for a first of the plurality of payors. A payment instruction from the first payor to pay the first bill, based on the transmitted first information, is received. A risk associated with payment of the first bill is determined and a debit type is selected based upon the determined risk. A payment of the first bill to the first biller is initiated based on the received payment instruction and to the selected debit type.

Abstract: To provide integrated electronic presentment of bills and payment, bill information representing a plurality of bills of a plurality of electronic billers for a plurality of subscriber payors, is transmitted from a service provider via a communications network. A first payment instruction from the first subscriber payor, to pay a first electronic bill of a first electronic biller based on the transmitted bill information, is received at the service provider via the communications network. A second payment instruction from another payor, which may or may not be a subscriber, to pay another payee, which may or may not be an electronic biller or a biller at al, based on other than the transmitted bill information, is also received at the service provider via the communications network. Payment of the first bill to the first electronic biller is initiated, at the service provider, based on the received first payment instruction.

Abstract: A service provider activates, for a subscriber, a first biller for electronic presentment of bills and a second biller for electronic bill payments by receiving, from the subscriber, information identifying the first and the second of a plurality of billers, as well as subscriber information associated with the subscriber. The service provider transmits to the first biller a request for verification of validity of the received subscriber information, and receives a verification of validity responsive to the transmitted verification request. Based on the received verification of validity, the service provider activates electronic presentment of bills of the first biller for the subscriber. On the other hand, the service provider activates only electronic bill payment of the second biller for the subscriber, without any verification from the second biller of the validity of the received subscriber information.

Abstract: A service provider activates subscribers for electronic presentment of bills and for electronic payments by receiving, from a first subscriber, information identifying a first of a plurality of billers and information that the first biller associates with the first subscriber. The service provider also receives, from a second subscriber, information identifying a second of the plurality of billers and information that the second biller associates with the second subscriber. The service provider transmits to the first biller a request for verification of validity of the received information which the first biller associates with the first subscriber, and receives a verification of validity responsive to the transmitted verification request. Based on the received verification of validity, the service provider activates the first subscriber for electronic presentment of bills of the first biller.

Abstract: A method of integrating presentment and payment of bills is provided. Bill information, representing a first bill of a first payee, but not a second bill of a second payee, for a payor is transmitted from the service provider to the payor via the communications network. A first payment instruction to pay the first bill based on the transmitted bill information, and a second payment instruction to pay the second bill which was not transmitted to the payor by the service provuder, are received at the service provider via the communications network. Payment of the first bill to the first payee is initiated by the service provider based on the received first payment instruction. Payment of the second bill to the second payee is initiated by the service provider based upon the second payment instruction.

Abstract: A system for delivering and paying subscriber bills associated with a plurality of billers includes a server computer and at least one subscriber computer connected to a communications network. The server computer transmits bill presentment information representing one or more bills for a subscriber, each of the one or more bills having an associated biller, via the network. A subscriber computer includes a communications port for receiving the transmitted bill presentment information representing the one or more bills for the subscriber, and a display for displaying the received bill presentment information. An input device is also provided for selecting at least one of the one or more bills represented by the displayed bill presentment information. The subscriber computer additionally has a processor for causing the communications port to transmit a payment record for the selected at least one bill, to the server computer via the network, responsive to the selection.